How it works
Calculate your total net worth by subtracting liabilities from assets.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
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?cash=Cash & SavingsNumber · Optional · Default: 15,000
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?investments=InvestmentsNumber · Optional · Default: 50,000
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?realEstate=Real EstateNumber · Optional · Default: 300,000
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?vehicles=VehiclesNumber · Optional · Default: 25,000
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?otherAssets=Other AssetsNumber · Optional · Default: 10,000
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?mortgage=MortgageNumber · Optional · Default: 220,000
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?loans=Loans (Student, Auto)Number · Optional · Default: 15,000
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?creditCards=Credit Card DebtNumber · Optional · Default: 2,000
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?otherDebts=Other DebtsNumber · Optional · Default: 0
Outputs
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resultResultText · Primary output
result contains the calculator’s complete rendered result area, including its visible result cards, tables, charts, and messages.
Track your total financial health
Description
The Net Worth Calculator is the ultimate “report card” for your personal finances. It helps you build a personal balance sheet by categorizing everything you own (Assets) and everything you owe (Liabilities). The resulting “Net Worth” figure is the most accurate single metric for tracking your long-term wealth building progress.
Inputs
- Assets (What you own):
- Cash & Savings: Balances in checking, savings, and CDs ($).
- Investments: Stocks, bonds, 401(k) / IRA balances, and crypto ($).
- Real Estate: The current market value of your home or land ($).
- Vehicles: The resale value of cars, boats, or motorcycles ($).
- Other Assets: Jewelry, collectibles, or business equity ($).
- Liabilities (What you owe):
- Mortgage: The remaining principal balance on your home loan ($).
- Loans: Total balance of student, auto, or personal loans ($).
- Credit Card Debt: Any outstanding balances on high-interest cards ($).
- Other Debts: Medical bills, private notes, or tax debts ($).
Outputs
- Net Worth: Your total assets minus total liabilities. This is your “equity” in your own life ($).
- Total Assets: The sum of everything of value you own ($).
- Total Liabilities: The total amount of money you owe to others ($).
Chart
- Assets vs Liabilities Donut Chart: A visual comparison of your debt-to-asset ratio.
“Good to Know”
- Don’t get discouraged by a negative number: It is very common for young professionals with high student loans or new homeowners to have a “negative net worth” early in their journey.
- Update regularly: Tracking your net worth once a quarter (every 3 months) is a great habit for staying motivated.
- Liquidity: Keep in mind that “Net Worth” includes non-liquid assets like your home. Having a high net worth but $0 in cash (being “house rich, cash poor”) is a common financial trap.
Examples
Example 1: Established Homeowner
- Input:
- Assets: $15k Cash, $50k Investments, $300k Home
- Liabilities: $220k Mortgage, $15k Car Loan
- Output:
- Net Worth: $130,000
Example 2: Recent Graduate
- Input:
- Assets: $2k Cash
- Liabilities: $40k Student Loans
- Output:
- Net Worth: -$38,000
Example 3: Debt-Free Saver
- Input:
- Assets: $100k Cash/Investments
- Liabilities: $0
- Output:
- Net Worth: $100,000